Hi, I’m Deb Smith

I came out of retirement because I believe in helping people find affordable healthcare answers too much to stay on the sidelines.

After 25 years solving complex problems in the tech industry, I retired when my firm was acquired. But I had already been telling friends and family about health sharing plans for years, because I genuinely believed they offered something most people never knew existed. When the opportunity came to do this work full-time with HSA for America, I could not say no. Now I get to do what I love most: work directly with real people and help them find solutions I personally stand behind.

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(720) 740-8737

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Integrity and sincerity should be the heartbeat of any business, and that belief is the foundation of everything I do.

My priority is genuinely helping people find the best solutions and save money, not just closing a sale. When I came across HSA for America, what stood out immediately was that their mission and mine were exactly the same: do right by the client, always.

It is incredibly energizing to work for a company where I can wholeheartedly believe in what I am doing, knowing that my commitment to doing the right thing is exactly what our clients need.

Too good not to share

My path into this work did not come from a crisis in a hospital waiting room or a surprise bill that wrecked a family budget. It came from something quieter: conviction.

Long before I ever became a PBM, I was already talking about health sharing plans with anyone who would listen. Friends, family, neighbors. I believed in the value they provided, and I wanted people to know these options existed.

I spent 25 years in the tech industry, the last 14 of them at insightsoftware, where I worked my way from technical support through project management and ultimately into product management.

I was good at solving problems and helping people navigate complexity. When a private equity buyout led to my retirement, I assumed that chapter of my career was finished.

But the opportunity to join HSA for America was too compelling to walk away from. Coming out of retirement has allowed me to get back to what I enjoy most: working directly with people and helping them navigate complex decisions.

The difference now is that I get to recommend solutions I have already been vouching for personally for years.

My three fur babies: Maine coon cats Cisco and Rocky and Bernese Mountain Dog Jet

“I was already a vocal advocate for health sharing policies, recommending them to friends and family because I truly believed in the value they provided.”

A company whose mission I already lived

What drew me to HSA for America was simple: I already believed in what they were doing before I ever joined them.

I had retired before the age of 65 and was not old enough to get Medicare yet. The price of a regular insurance policy for me was astronomical, and there is no way I could afford to pay the monthly premiums.

I stumbled upon the health sharing option in my research for less expensive health care and reached out to HSA for America. My PBM was able to find a policy that worked well for me. Last summer, I actually had an accident that put me in the hospital.

I had several thousand dollars of medical hospital and doctor’s bills. It was then that I really understood the true value of the Health Sharing Account Policy that I had purchased and was a true believer.

The business model here is built on honesty. There is no pressure to push a product that does not fit a client’s situation. The goal is to find what actually works for the person in front of you, and that aligns completely with how I have always approached my work.

What I wish more people knew about Health Savings Accounts

Health Savings Accounts (HSAs) are one of the most underused tools in personal finance, and it genuinely surprises me how many people have never had anyone sit down and explain them clearly. An HSA is a savings account linked to a qualifying high-deductible health plan. You fund it yourself, use it to pay for health care costs, and keep every dollar that goes unused. It rolls over year after year.

When something goes wrong, here is what actually happens

HSA-qualified plans typically carry lower monthly premiums than traditional coverage. That means you are keeping more money in your pocket every month and directing it into your savings account instead. When a medical expense comes up, you draw from what you have built. In healthy years, your balance grows. In harder years, it is there for you.

The tax advantages are genuinely remarkable

Contributions to your HSA are tax-deductible. The money grows tax-free. And you spend it tax-free on qualified medical expenses. That is a triple tax advantage that very few financial tools can match. You can also invest your HSA balance once it reaches a certain threshold, which makes it a meaningful long-term asset well into retirement.

Why I think healthshare plans deserve a serious look

Health sharing programs give members a way to pool their resources and cover each other’s medical costs outside the traditional insurance framework. For people who do not qualify for subsidies and are facing steep premiums, a healthshare plan can be the difference between having coverage and having nothing. I have recommended these plans to people I care about for years, and that personal conviction is exactly why I do this work.

The losses that keep me grounded

Losing my father to cancer eight years ago was one of the hardest things I have been through. He was a Navy man, steady and strong, the kind of person who shaped how I see the world. Watching him go through that illness, and knowing how quickly health circumstances can shift even in people who seem invincible, changed how I think about health coverage.

My children’s grief has also touched me deeply. When my son lost a very close friend this past Christmas, the pain in our house was real and immediate. Those kinds of losses are a reminder that health coverage is never just a financial conversation. It is a conversation about protecting people you love before you ever need to.

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With my husband Brad and our four children: Tyler, Stephanie, Jason, and Bryan

Four kids, 40 years, and a lesson about what really matters

My family is my greatest accomplishment. I have been happily married to my husband Brad, a Colorado State Patrol officer, for 40 years. Together we raised four children: Tyler, Stephanie, Jason, and Bryan. And yes, we have twins in that group, which added a particular kind of beautiful chaos to those early years.

I help my family understand their healthcare options the same way I do with every client: with patience, clear language, and a genuine focus on what fits their lives. When someone I love has needed guidance navigating a diagnosis or a coverage decision, I want to be the person they can call.

Every day I get to help even one person cut through the confusion of healthcare decisions is a good day. I get a real sense of fulfillment from knowing that the guidance I give can protect someone’s financial future and their health at the same time. That is what drives me.

Where I find my sanctuary

I grew up in the Methodist Church and was married in it, but over the years my spiritual life has grown into something more personal. My sanctuary is not a building. It is my home, the natural world, and especially the Rocky Mountains I have lived alongside my whole life.

My most profound moments of connection happen during my morning walks, watching the sun rise over the mountains. For me, spirituality is about that daily vibrational connection to the energy and beauty surrounding us. I lean into that intentionally. It is not a passive belief but an active part of how I move through my days and guide my interactions with others.

My parents gave me something I try to pass on every day. I grew up in a home where family time was protected and simple shared experiences in nature were treated as genuinely valuable. Hiking, picnics, time together outdoors. That shaped how I raised my own four children, and it shapes how I show up for clients too: unhurried, present, and genuinely interested in what is actually going on in your life.

Hooks, trails, and the fur babies who run the house

When I am not working, you will most likely find me with a crochet hook in my hand, out on a trail, or trying to referee the ongoing territory dispute between my Bernese Mountain Dog Jet and my two Maine Coon cats, Cisco and Rocky. My kids are grown and gone now, so those three have fully taken over.

I was born in Hawaii while my father served in the Navy and grew up in Durango before heading to Colorado State University. I have lived in Colorado most of my life, and I have never stopped appreciating it. My skiing days are behind me, but the hiking trails here are still a constant part of how I recharge. There is something about being in the mountains that puts everything in perspective.

I spent years volunteering at local botanic gardens and working with animal shelters, including fostering puppies. Providing a safe, loving space for an animal preparing to move into its forever home is a small thing that never feels small.

My crochet work is where I slow down completely. The Christmas blanket I made as a gift this past year took serious hours and a lot of intention. For me it is not just a hobby. It is a form of patience I try to bring into everything I do.

A crochet blanket I made as a Christmas gift this past year

“I hope to be remembered as a non-judgmental ear and a steady presence: someone who loves unconditionally and listens without reservation.”

If you are trying to figure out your health coverage options and just want someone who will actually listen and help you find what fits your life, I would love to talk.

Deb Smith
debsmith@wle-secure-email.com
Direct Line: (720) 740-8737
Schedule an Appointment with Deb

Helping Thousands Lower Health Insurance Costs Since 2004!

Contact Information:

1001-A E. Harmony Rd #519 Fort Collins, CO 80525
800-913-0172
info@HSAforAmerica.com

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